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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,256 | $108,912-63.0% | $100,383-59.9% | $145,959-72.4% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 9.40% | 57.96%-48.6pp | 49.26%-39.9pp | 561.95%-552.6pp |
| Employer contribution / active EE | $3,537 | $4,423-20.0% | $3,944-10.3% | $4,661-24.1% |
| Participant deferral / active EE | $2,794 | $8,451-66.9% | $8,086-65.4% | $6,689-58.2% |
| Admin fee / account holder | $448 | $9,690-95.4% | $7,900-94.3% | $13,398-96.7% |